If you don’t use it, you need to make up the arrears of 200 yuan.

According to Article 9 of the "Ping An Bank Credit Card Usage Contract":

If Party B stops using the card, it must promptly notify Party A in writing or in other forms recognized by both parties to go through the cancellation procedures. Party B's outstanding accounts (including but not limited to the current balance and installment credit amount) will be deemed to be fully due from the date Party B notifies Party A to stop using the card and must be paid off together.

Party B will continue to bear the repayment responsibility for the outstanding balance of the credit account and the interest and fees incurred. If the cardholder fails to fully repay the principal, interest and related charges of the account overdraft, Party A will not approve the cancellation of the account.

So, if you want to cancel the card, you need to pay off the outstanding balance first.

Extended information

Ping An Bank’s credit card services include the following:

1. Card loss and 72-hour card loss protection.

The cardholder calls 95511-2-3 (Platinum VIP hotline 4008895511) to notify the bank immediately. The loss report procedure can be quickly completed with one phone call. After the loss report procedure is completed, the card will be sent after two working days. Issue a new card to the cardholder's billing address.

2. The card is damaged.

When the credit card cannot be used due to damage, breakage, blurred signature, incorrect card format, degaussing of the magnetic strip, etc., you can call the 24-hour service hotline 95511-2 (Platinum VIP hotline 4008895511) to apply for card replacement , the customer service specialist will perform repair work for you after verifying that everything is correct.

3. The card expires.

The validity period of a credit card generally does not exceed 10 years. The valid period of use is indicated on the front of the card. If you do not apply for non-renewal to the Bank one month before the expiration date of the card, the Bank will If you issue a new card, the new card will be sent to your billing address without any procedures on your part.

4. Cancel the card.

If you decide to cancel our credit card after consideration, you can call our credit card service hotline 95511-2 (Platinum Card VIP hotline 4008895511), and the customer service specialist will assist you with the relevant procedures and business of card cancellation. Card cancellation will take effect immediately (all rights and interests on your credit card will also be invalidated at the same time). After cancellation, please cut the card's magnetic strip along the card's magnetic strip to destroy it and dispose of it properly.

5. Overseas emergency support services.

If you encounter an emergency abroad, you can call the bank card organization's 24-hour overseas emergency support center according to your credit card type to immediately obtain global emergency support services provided by the bank card organization.

Baidu Encyclopedia--Ping An Credit Card

Ping An Bank--Acquisition Contract